McAllen is the economic engine of the Rio Grande Valley — one of the fastest-growing metro areas in the United States. Cross-border trade with Mexico, a massive healthcare sector anchored by DHR Health, and surging retail demand make McAllen one of Texas’s most dynamic commercial real estate markets. Commercial Loans of Texas has been financing commercial properties throughout the Rio Grande Valley since 1998.
Commercial Loan Programs Available in McAllen
- Hard Money Loans — Close in 7-14 days. Asset-based underwriting up to 65% LTV. No income verification required.
- SBA 504 Loans — 10% down for owner-occupied commercial buildings. Long-term fixed rates for Valley businesses.
- DSCR Loans — Qualify based on property income, not personal tax returns. Works for LLC ownership.
- Foreign National Commercial Loans — Financing available for Mexican nationals and international investors purchasing Texas commercial real estate through a U.S. LLC.
- Stated Income / Bank Statement Loans — Ideal for business owners whose tax returns don’t reflect actual cash flow.
- Bridge Loans — Short-term financing to close fast and stabilize before permanent refinancing.
Property Types We Finance in McAllen and the Rio Grande Valley
- Retail centers along 10th Street, Expressway 83, and Trenton Road
- Industrial and warehouse near the Hidalgo port of entry
- Medical office buildings in the DHR Health corridor
- Hotel and hospitality properties serving border commerce
- Multifamily and apartment properties throughout the Valley
- Strip centers in Edinburg, Mission, Pharr, and surrounding communities
Why the Rio Grande Valley Is Attracting Commercial Investors
McAllen’s retail sales per capita consistently rank among the highest in the nation — driven by cross-border shoppers from Mexico. The Valley’s population growth rate outpaces nearly every major Texas metro, creating sustained multifamily and retail demand. Cap rates remain attractive relative to Austin and Dallas, with strong tenant demand and low vacancy rates in retail and industrial.
Foreign National Financing in the Rio Grande Valley
We have specialized experience financing commercial properties purchased by Mexican nationals through U.S. entities. If you are working with international investors, we understand the documentation requirements. See our foreign national commercial loan program.
How to Apply
Call 877-895-3634 or apply online. No upfront fees. In-house underwriting. We serve McAllen, Edinburg, Mission, Pharr, Harlingen, Brownsville, Laredo, and all of South Texas.
Related Resources
- Foreign National Commercial Loans in Texas
- Commercial Loans in San Antonio
- DSCR Loans for Texas Real Estate Investors
- Hard Money Loans Texas